Hello G. If you actually paid for the appraisal, you should have received a copy of the appraisal. The only question is from whom you should have received the copy. If the loan agent ordered the appraisal and paid for it and then you paid the loan agent, then you should have received the copy from the loan agent. The appraiser would not be able to provide you with a copy unless the loan agent agrees to it because technically speaking you are not the appraiser's client. On the other hand, if you ordered the appraisal yourself and the appraiser received payment from you or the loan agent, you should have received a copy of the appraisal from the appraiser because the person who orders the appraisal is the appraiser's client. Most appraisals are not ordered by the buyer directly.
Whether or not having a copy of the appraisal would have helped you save the transaction is another question. Many times, an appraisal is specific to the lender that was going to approve the loan and a new lender will not necessarily accept a prior appraisal, but sometimes they will if the appraiser rewrites it to make it specific for the new lender.
It is unfortunate that neither the loan agent nor the appraiser returned your calls. No matter whether the transaction could have been saved, I think you deserved at least a return call and an explanation. Sorry this happened to you.... more